A relação da concessão de crédito pelos bancos e o desenvolvimento regional

Abstract

Economic development and macroeconomic stability is the goal of all countries and their governments. This study deals with the relationship between credit granting by banks and regional development. The hypothesis is that the greater the availability of credit, the more the region develops. In order to answer the impact of the granting of credit for regional development in the period from 2013 to 2017, the study seeks to identify the factors that influence the availability of credit for the municipalities in the sample and to assess the development differences of the analyzed regions. This is a descriptive research with a quantitative approach to the problem, whose sample is composed of the municipalities of the micro region of Sobral, in Ceará, which have at least one bank branch. The results showed that the granting of credit is determined directly by the amount of time deposits received and inversely by the preference for bank liquidity. Municipal GDP is negatively related to the granting of credit, which leads to the conclusion that the poorest municipalities with the lowest Municipal GDP need greater financial increases for their maintenance and development.